{"podcast":{"title":"Metcalf Money Moment the Podcast","slug":"metcalf-money-moment-the-podcast-7170754","podcast_index_feed_id":7170754,"rss_url":"https://feeds.captivate.fm/metcalf-money-moment/","website_url":"https://metcalf-money-moment.captivate.fm","image_url":"https://artwork.captivate.fm/a1610ea5-8537-4785-b26a-83238eb64f3a/9Aof_JEhIIkTkhbjN-03B1xu.jpg","author":"Jeb Graham, Ethan Hutcheson, & Eric Wymore","episode_count":38,"summary":"Unlock financial clarity, confidence, and peace of mind with Metcalf Money Moment – the Podcast. Whether you’re preparing for retirement, navigating a business exit, or building generational wealth, our expert insights provide the clarity and confidence needed to achieve your financial goals. Hosted by Jeb Graham, Ethan Hutcheson, and Eric Wymore—seasoned financial professionals with a deep passion for empowering clients—this podcast brings decades of combined experience in wealth management, retirement planning, estate strategies, and investment advisory services. Each host brings a unique perspective and expertise, ensuring well-rounded and insightful discussions that address the diverse needs of our audience. Every episode explores key topics to empower your financial journey. Discover practical strategies for building generational wealth, planning for retirement, safeguarding your legacy with estate planning, and optimizing savings through tax strategies tailored to high-net-worth individuals. Gain insights on investment approaches for volatile markets, entrepreneurial advice for Kansas City business owners, and guidance on major life events like marriage, home buying, and inh…","last_synced_at":"2026-07-08T16:19:44.427130+00:00","page_url":"https://stenobird.com/podcast/metcalf-money-moment-the-podcast-7170754"},"episode":{"title":"Ep 17 - Decoding Social Security for Retirement Planning","slug":"ep-17-decoding-social-security-for-retirement-planning","published_at":"2025-08-27T07:00:00+00:00","page_url":"https://stenobird.com/podcast/metcalf-money-moment-the-podcast-7170754/ep-17-decoding-social-security-for-retirement-planning","show_page_url":"https://stenobird.com/podcast/metcalf-money-moment-the-podcast-7170754","url":"https://metcalf-money-moment.captivate.fm/episode/ep-17-decoding-social-security-for-retirement-planning","audio_url":"https://episodes.captivate.fm/episode/f418d492-3bf4-4331-9074-9e9bbf6f485c.mp3","summary":"Wondering how to navigate the world of Social Security? Join financial advisors Jeb, Ethan and Eric as they tackle one of the most critical topics for retirees. This episode provides a clear overview of how Social Security works, from eligibility requirements and the Full Retirement Age to the often-overlooked spousal benefit. They offer valuable insights into the pros and cons of claiming social security early versus late. The hosts also address the big question on everyone's mind: what is the future of Social Security? Tune in for expert advice regarding this essential component of your retirement planning. IN THIS EPISODE:  (00:00) Opening (02:50) Social Security is funded through FICA taxes paid by employees and employers (04:43) Concerns about the stability of social security in the future (08:36) Rules for eligibility, full retirement age and how the benefit is calculated (12:30) Discussion of spousal benefit and Social Security income could be considered taxable  (15:19) The break-even point of taking money out of the system and portfolio value  (20:05) Use the SSA website to print your Social Security statement and share it with your financial advisor KEY TAKEAWAYS:  Social Security Basics: The program is funded by payroll taxes, requiring 40 work credits for eligibility. Benefits are based on your 35 highest-earning years, with a full retirement age that varies. A spousal benefit ensures a lower-earning spouse can receive up to 50% of their partner's benefit. Claiming Strategy Matters: Claiming benefits early at age 62 results in a permanent reduction, while waiting until age 70 provides a higher monthly payout. The best claiming strategy depends on individual health, longevity, and its impact on your total investment portfolio. The Future…","meta_description":"Wondering how to navigate the world of Social Security? Join financial advisors Jeb, Ethan and Eric as they tackle one of the most critical topics for ret…","key_points":[],"chapters":[],"topics":[],"duration_seconds":1420,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/metcalf-money-moment-the-podcast-7170754/episodes/ep-17-decoding-social-security-for-retirement-planning/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/metcalf-money-moment-the-podcast-7170754/ep-17-decoding-social-security-for-retirement-planning.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}